Payday loans in North Myrtle Beach, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for North Myrtle Beach, SC.
The median household in North Myrtle Beach earns $72,722 a year, about the same as the South Carolina median of $69,324. About 7% of residents live below the federal poverty line, and 17.8% of households rent their home. When an unexpected bill hits before payday, North Myrtle Beach residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in North Myrtle Beach
| Maximum loan | No more than $550 advanced to you at one time, not counting the fee. |
|---|---|
| Fee cap | The fee may not exceed 15% of the principal and may be charged only once per agreement. |
| Rollovers | Not allowed. |
| Loans at once | One payday loan at a time, with any licensee. |
| Payment plan | Once every 12 months, if you cannot repay, you may choose an extended payment plan. |
Full rules with statute citations: Payday Loans in South Carolina. Cities in South Carolina cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in North Myrtle Beach
Most North Myrtle Beach applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in North Myrtle Beach
What North Myrtle Beach borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
How to get a payday loan in North Myrtle Beach
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve South Carolina.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
South Carolina does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in North Myrtle Beach
17 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens Bank | 2 | 1020 Highway 17 N, North Myrtle Beach 29582 |
| The Conway National Bank | 2 | Highway 17 And Chestnut Road, North Myrtle Beach 29582 |
| Pinnacle Bank | 2 | 780 Main St, North Myrtle Beach 29582 |
| Wells Fargo Bank, National Association | 1 | 210 Highway 17 N, North Myrtle Beach 29582 |
| Anderson Brothers Bank | 1 | 1799 Highway 17 N, North Myrtle Beach 29582 |
| Bank of America, National Association | 1 | 1339 Highway 17 S, North Myrtle Beach 29582 |
| First-Citizens Bank & Trust Company | 1 | 601 Highway 17 S, North Myrtle Beach 29582 |
| Truist Bank | 1 | 521 Main St, North Myrtle Beach 29582 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Horry County
9 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Corning | 8703 Highway 17 Byp S, Myrtle Beach 29575 |
| South Carolina | 970 Wood Duck Dr, Myrtle Beach 29577 |
| Carolina Trust | 2518 Main St, Conway 29526 |
| Santee Cooper Credit Union | 1232 Farrow Pkwy Ste A, Myrtle Beach 29577 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Horry County · Personal Loans in North Myrtle Beach · Title Loans in North Myrtle Beach
Frequently asked questions
Can I get a payday loan in North Myrtle Beach, SC?
Payday loans (deferred presentment services) are legal in South Carolina from lenders licensed by the State Board of Financial Institutions under Title 34, Chapter 39. You can request one online from North Myrtle Beach through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in North Myrtle Beach?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in North Myrtle Beach?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do I get a payday loan in North Myrtle Beach, SC?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most North Myrtle Beach borrowers can finish the form in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. North Myrtle Beach residents can request a payday advance online through our network in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on South Carolina rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. North Myrtle Beach residents can see if they qualify in about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. North Myrtle Beach residents can see their options with our 3-minute form.
Do I need to visit a store in North Myrtle Beach?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.